Preheat oven to 375 degrees, and line 2 dozen muffin tins with liners.

In a small bowl combine flour, cinnamon, brown sugar and cloves for the crumb topping. Cut in cold butter with a knife. Then use your fingers to combine until it's crumbly. Set Aside.

In your mixer, combine, bananas, nutmeg, cinnamon, eggs, melted butter and sugar. Sift together flour, baking soda, baking powder and salt. Add to banana mixture and mix to combine. Fill muffin cups, and divide crumb topping evenly over muffins. Bake for 16-18 minutes or until toothpick inserted in center comes out clean.